Posts tagged ‘Financial Peace University ‘

I had the choice to go to Chick-Fil-A with a friend, tonight, but since it is not in the budget……….I had to decline, but it was so hard. Since this is generally, how we hang out-at Chick-Fil-A with our munchkins on family night. I so wanted to go, and in the interest of full disclosure I did cave at the end of the conversation, but thank the Lord they had already eaten. It was a hard decision but an easy one too, because there is a light at the end of the tunnel and a purpose for being in the tunnel. Since, we were able to get home early, we were able to go riding again this evening, hooray. It is was still pretty awesome, but bit harder. Yesterday, I was zooming, even had to circle back a few times, but today felt like running a race. I was wheezing and couching with that burning in my chest, telling my body it is too out of shape to be doing this. I could not believe it. Then, I was in college, I use to ride ten miles a day, so what happened? Life, I got married, was poor, sold bike, marriage fell apart, then had munchkins, but now we are going to get back in the swing of things…….super excited. Well, my brain is. If the only fitness ability, I pass out to my munchkins is a love of ride then I will call it good. So, that wraps up the day.

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For a long time, I wanted to make more money, “To buy things, I cannot afford, to impress people, I do not like,” like Dave Ramsey says. Now, I want to make more money to pay off my debt and save. I started Dave Ramsey get out of debt plan last month, and my kids started Dave Ramsey’s Junior Financial Peace. I am currently on baby step 1, saving a 1,000 dollar emergency fund. I decided for my situation 2,000 would be better so I am working on that. I have my debt snowball plan, with my current income it can be paid off in seven years, but I am praying about, what I can do to increase my income with the smallest out-of-pocket expense that allows me the freedom to be at home with my kids as much as possible. I am super excited, I plan to have all my non-student loan debt paid off by the end of the year, and then hopefully, have the student loans paid off within the next four years. I am so excited, I just want to tell everyone to jump on board with Dave Ramsey’s financial freedom plan.

Now, if you are not a Dave Ramsey fan, just keep listening, because at first he just annoyed me. Probably, because I know I could do so much better and have nothing to show for all that debt. And, I thought he was kinda mean, but then I started listening to his testimony and it is powerful. He says, he was stupid with six digits on the end of it, but what he said that ultimate turned the light on was: If you owned a corporation called Me Incorporated would you fired you for the way you are handling the company money, and it is not your money but God’s (you are His manager, just like our children are only on loan). The light was are low then I heard the first comment, then flipped on bright after the second comment in both my financial walk and my mom walk (but that is another post).

Now, the hard part sticking to the budget and being patient because like usually I want to hurry up and be on baby step 7, but that will come and what an amazingly beautiful learning experience it is going to be.

1. $1,000 In An Emergency Fund2. Pay Off All Debt With The Debt Snowball3. 3 To 6 Months Expenses In Savings4. Invest 15% Of Income Into Roth IRAs And Pre-Tax Retirement Plans5. College Funding6. Pay Off Your Home Early7. Build Wealth And Give!